Finding the best cheap car insurance for a Honda Accord is dependent upon a complex formula that considers things such as annual vehicle mileage, your residence address, and the level of deductible you choose. Drivers pay around $1,635 per year to insure their Accord, but that is an estimate calculated using a 30-year-old single male driver with full physical damage coverage and $100 deductibles.
But there is a good chance that you aren’t exactly 30 years old or even a male, maybe you are married instead of single, or maybe your Accord is old enough that it doesn’t require full coverage. Auto insurance requires individual risk assessment, so the only way to find cheap insurance prices for your Honda is to just take the time to compare rates yourself. Quotes are free and easy and you will be able to see rates from the best auto insurance companies that offer coverage in California.
Cheapest Honda Accord Insurance Rates
The specific trim level impacts the yearly cost, so the price you will be charged to insure a Accord LX 4-Dr Sedan will cost $576 less than the cost to insure the more costly Accord EX-L 2-Dr Coupe trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $378 | $564 | $492 | $30 | $148 | $1,612 | $134 |
| Accord EX 4-Dr Sedan | $378 | $564 | $492 | $30 | $148 | $1,612 | $134 |
| Accord LX-P 4-Dr Sedan | $378 | $564 | $492 | $30 | $148 | $1,612 | $134 |
| Accord EX-L 4-Dr Sedan | $434 | $686 | $492 | $30 | $148 | $1,790 | $149 |
| Accord EX 2-Dr Coupe | $434 | $810 | $654 | $38 | $196 | $2,132 | $178 |
| Accord LX-S 2-Dr Coupe | $434 | $810 | $654 | $38 | $196 | $2,132 | $178 |
| Accord EX-L 2-Dr Coupe | $490 | $810 | $654 | $38 | $196 | $2,188 | $182 |
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in your specific Irvine location which can revise rates greatly.
Establishing which company offers the cheapest auto insurance rates for a Honda Accord may require more time than just getting one or two price quotes. Every car insurance company uses their own formula to establish rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Irvine.
It’s a good idea to be aware that Irvine, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Turning one year older, having a teenage driver, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper in comparison to the competition.
Best Cheap Insurance Rates for Your Accord
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,533 |
| 9 | Progressive | $1,542 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
| Quote Your Rates Go | ||
USAA offers some of the best car insurance rates in Irvine at around $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the cheaper Irvine, CA car insurance companies.
In the rate table above, if you currently have coverage with CSAA and switched to USAA, you might realize yearly savings of in the neighborhood of $91. Customers with Nationwide could save as much as $120 a year, and 21st Century policyholders might see rate reductions of $236 a year.
It’s important to note that these rates are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific zip code for a Honda Accord. So the car insurance company that can offer you the best price may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Get discounts on Irvine auto insurance
Car insurance companies that offer cheap quotes for a Honda Accord may also give you special discounts that can reduce rates by as much as 25% or more if you qualify. Large auto insurance companies and a partial list of their discounts are:
- State Farm offers premium reductions for student away at school, good student, multiple policy, driver’s education, defensive driving training, and passive restraint.
- Liberty Mutual policyholders can earn discounts including safety features, exclusive group savings, teen driver discount, multi-car, and newly retired.
- American Family offers discounts for early bird, Steer into Savings, bundled insurance, defensive driver, good student, and multi-vehicle.
- Progressive may offer discounts for good student, multi-policy, online signing, homeowner, multi-vehicle, and continuous coverage.
- Farmers Insurance includes discounts for teen driver, mature driver, youthful driver, distant student, bundle discounts, multi-car, and alternative fuel.
- Auto-Owners Insurance has savings for air bags, safe vehicle, company car, multi-policy, and good student.
- SAFECO has discounts for safe driver, anti-lock brakes, drive less, anti-theft, and multi-car.
The information below illustrates the difference between yearly insurance costs with and without policy discounts. The premiums are based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, defensive driving course, multiple vehicle, multiple policy, claim-free, and safe-driver discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Honda Accord is 28% or $559.
Don’t stick with an overpriced policy
California auto insurance rates are determined by lots of factors which can substantially change the cost of coverage. Simply having another birthday, buying a new vehicle, or getting a speeding ticket may generate price changes that can make some companies more affordable than others. Not only may things change on your end, but insurance companies change rates every year or even multiple times each year to help ensure profitability. Higher than normal claims can cause more expensive premiums, while lower claims can produce lower-cost Accord insurance rates.
For instance, the chart below shows the company with the cheapest car insurance in Irvine, CA for a 45-year-old male driver with no violations or accidents, and solid credit. If we estimate prices based on his personal risk profile, USAA quotes the most affordable car insurance rates in Irvine at $1,121 annually. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.
In this example, we will give the driver from the first example a claim surcharge, poor credit, and a speeding ticket. Since each insurance company uses a different method for setting rates, analyzing rates could result in a different set of cheap Irvine auto insurance companies as shown below.
Grange now has the best car insurance rate in Irvine with Progressive, Allstate, Mercury, and The Hartford now rounding out the top five. This demonstrates why it is so important to shop around with many companies to get cheap car insurance rates for a Honda Accord. Insurance rates are made up of many factors and can decrease or increase without notice, so the lowest-price company three years ago may now be priced much higher than other options.